CTC to In-Hand Salary Calculator
Your offer letter says ₹10 LPA — find out what actually lands in your bank account.
Complete Salary Breakdown
| Component | Monthly | Annual |
|---|---|---|
| Basic Salary | ₹33,333 | ₹4,00,000 |
| HRA | ₹16,667 | ₹2,00,000 |
| Special Allowance | ₹10,103 | ₹1,21,231 |
| (employer)Employer PF | ₹4,000 | ₹48,000 |
| (employer)Gratuity | ₹19,231 | ₹2,30,769 |
| −Employee PF | ₹4,000 | ₹48,000 |
| −Professional Tax | ₹200 | ₹2,400 |
| −Income Tax (est.) | ₹0 | ₹0 |
| In-Hand Salary | ₹55,903 | ₹6,70,831 |
CTC Breakdown
* This calculator provides approximate estimates. Actual in-hand salary depends on company salary structure, applicable tax regime, investments under Section 80C/80D, and other deductions. Consult your HR or a CA for exact figures.
CTC to In-Hand Salary Calculator कसरी प्रयोग गर्ने
- 1
Enter your annual CTC amount.
- 2
Set Basic Salary percentage (typically 40% of CTC).
- 3
Choose Metro or Non-Metro city for HRA calculation.
- 4
Select PF contribution type: capped at ₹1,800/month or 12% of full Basic.
- 5
Choose Old or New Tax Regime.
- 6
View your complete salary breakdown: monthly and annual.
- 7
See your estimated monthly in-hand salary after all deductions.
CTC to In-Hand Salary Calculator बारेमा
You got a job offer for ₹12 LPA and you're already planning that new apartment. Then month one hits and you see ₹72,000 in your account instead of ₹1,00,000. What happened? PF, gratuity, professional tax, income tax — the gap between CTC and in-hand salary catches everyone off guard. This CTC to in-hand calculator shows you the real number before you accept or decline.
Where your CTC actually goes
CTC isn't your salary — it's everything the company spends on you. That includes their PF contribution (12% of Basic), gratuity (4.81% of Basic), and sometimes insurance premiums. These are real benefits, but they don't hit your bank account. What's left after the company takes its share is your gross salary. Then your deductions kick in — employee PF, professional tax, and income tax — and what survives is your in-hand salary. Typically that's 65-75% of CTC.
Things you can toggle
- Basic Salary %: Usually 40% of CTC. Higher basic = more PF (good for retirement, bad for take-home)
- Metro vs. Non-Metro: HRA is 50% of Basic in metros (Delhi, Mumbai, etc.), 40% elsewhere
- PF cap: Some companies cap PF at ₹1,800/month. Others contribute 12% of full Basic. Big difference
- Old vs. New Tax Regime: New regime has lower rates but fewer deductions. The calculator shows estimated tax under your chosen regime
The full breakdown table shows every component — monthly and annual — so you can match it against your actual payslip or compare two offers side by side. Useful for job switches, salary negotiations, or just understanding where your money goes.